Grand Rapids, MI · Charter 62257
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.02% | -0.23% | -4.47% | -0.69% | -0.35% | -0.41% | -0.40% | +407 bps | |
| Return on Equity | 1.21% | -0.14% | -1.64% | -35.88% | -5.55% | -2.93% | -3.54% | -3.59% | +3,229 bps | |
| Net Interest Margin | 3.84% | 3.96% | 3.75% | 3.33% | 3.20% | 3.10% | 3.15% | 3.18% | -15 bps | |
| Efficiency Ratio | 91.48% | 90.75% | 94.48% | 110.24% | 100.83% | 84.98% | 88.75% | 94.32% | -1,591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | -2.58% | 3.49% | 5.36% | 12.91% | 21.83% | 16.83% | 17.77% | +1,242 bps | |
| Loan Growth (YoY) | -2.82% | -1.83% | -2.80% | -4.60% | -1.52% | -2.32% | 6.59% | 6.97% | +1,156 bps | |
| Share Growth (YoY) | -3.75% | -2.29% | 5.74% | 7.50% | 15.37% | 22.94% | 19.55% | 19.61% | +1,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 2.07% | 2.07% | 1.86% | 2.15% | 1.97% | 2.10% | 2.21% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.49% | 1.48% | 1.63% | 1.68% | 1.84% | 1.59% | 1.74% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.77% | 15.07% | 14.05% | 12.45% | 12.45% | 11.92% | 11.62% | 11.02% | -142 bps | |
| Net Worth / Assets | 14.77% | 15.07% | 14.05% | 12.45% | 12.45% | 11.92% | 11.62% | 11.02% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.98% | 58.44% | 54.20% | 50.01% | 47.78% | 46.43% | 48.33% | 44.73% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |